Lancaster County Motors, Inc
Updated Filing received by DOL
Lancaster County Motors, Inc, a retail — stores, food, auto, clothing employer in East Petersburg, Pennsylvania, reported 233 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 5 insurance contracts with no premium reported and $32,394 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on January 9, 2026, before the deadline.
Who was paid on Lancaster County Motors, Inc's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Lancaster County Motors, Inc filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| American Fidelity Assurance Company · Oklahoma City, OK | $12,565 | $0 | $12,565 | 2 |
| Paa Services, Inc. · Harrisburg, PA | $0 | $11,651 | $11,651 | 2 |
| Ingroup Associates, Inc. · Lancaster, PA | $264 | $5,127 | $5,391 | 1 |
| Penn. Auto Assoc Insurance Agency · Harrisburg, PA | $1,408 | $0 | $1,408 | 1 |
| Emerson Rogers, LLC · Blue Bell, PA | $0 | $469 | $469 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| American Fidelity Assurance Companyshort-term disability, long-term disability | 295 | — | $17,408 | — |
| Heartlandvision | 357 | — | $910 | — |
| Equitable Financial Life Insurance Company of Americalife | 323 | — | $1,877 | — |
| Aetna Life Insurance Companydental | 431 | — | $5,391 | — |
| American Fidelity Assurance Companylong-term disability | 21 | — | $6,808 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Lancaster County Motors, Inc compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 254 | 233 | −8.3% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $28,413 | $32,394 | +14.0% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Lancaster County Motors Inc. Employee Benefit Plan#501 · insurance, general assets | June 30, 2025 | January 9, 2026 | before deadline | 233 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Lancaster County Motors, Inc pay in health insurance broker commissions in 2024?
Lancaster County Motors, Inc's 2024 Form 5500 reports $32,394 in broker commissions and fees across 5 insurance contracts ($15,147 in commissions, $17,247 in fees), with American Fidelity Assurance Company receiving the largest share.
Is Lancaster County Motors, Inc's health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself).
How does Lancaster County Motors, Inc's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Lancaster County Motors, Inc because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.